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USAA® Rewards™ Visa Signature® Card
USAA® Rewards™ Visa Signature® Card
- 14.9% to 30.9% variable based on creditworthiness Regular Purchase APR
- 14.9% to 30.9% variable based on creditworthiness Balance Transfer APR
- 14.9% to 30.9% variable based on creditworthiness Cash Advance APR
At a Glance
The USAA® Rewards™ Visa Signature® Card is the ideal rewards credit card for anyone looking to receive rewards points based on their gas and dining purchases. These rewards points can eventually be redeemed for great perks, such as plane tickets, cruises, cash, or gift cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2X points on dining and gas, 1X points on all other purchases
- Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
- Extend your manufacturer's or U.S. store-brand warranties
- Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stole
- Regular Purchase APR: 14.9% to 30.9% variable based on creditworthiness
- Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
- Balance Transfer APR: 14.9% to 30.9% variable based on creditworthiness
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 14.9% to 30.9% variable based on creditworthiness
- Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You're in the U.S. military or are related to someone in the U.S. military
- You frequently dine out or spend money on gas
- You don’t want to pay an annual fee
- You do't want to pay foreign transaction fees when you use you card abroad
Zions Bank AmaZing Low Rate Credit Card
Zions Bank AmaZing Low Rate Credit Card
- 9.24% to 15.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 9.24% to 15.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 20.24% to 22.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases and balance transfers
- Access to Zions AmaZing Deals app
- No balance transfer fee from exisiting Zions accounts
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 9.24% to 15.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 9.24% to 15.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 20.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- N/A
CCU Business Visa Platinum
CCU Business Visa Platinum
- 13.70% to 23.70% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.70% to 23.70% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.70% to 23.70% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The CCU Business Visa Platinum Card is a no-sense business credit card from Consumers Credit Union. The card features a highly competitive APR, complimentary employee cards, and sophisticated account management tools. The card also features no annual fee and no additional fees for cash advances.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Additional employee cards at no extra cost
- No balance transfer fees
- No cash advance fees
- No annual fee
- Auto rental insurance
- Travel accident insurance coverage up to $500,000
- Regular Purchase APR: 13.70% to 23.70% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.70% to 23.70% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.70% to 23.70% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 5% of the amount of each cash advance or $5, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25 when the minimum is not made within 5 days
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $25 per occurence
- You already bank with Consumers Credit Union
- You want a straightforward business card with a great APR
- You don’t want to pay an annual fee
Union Bank Platinum™ Visa® Credit Card
Union Bank Platinum™ Visa® Credit Card
- 12.24% to 23.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.24% to 23.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.00% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR on purchases and balance transfers for 15 months after opening an account
- Low regular APR after promotional rate ends
- No annual fee
- Access your FICO® Score at no extra cost
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 12.24% to 23.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 12.24% to 23.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: $0 Introductory fee for transfers completed within 60 days of account opening. Afterthat, either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.00% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $37
- Return Payment Penalty Fee: Up to $35
- N/A
BBVA Select Credit Card
BBVA Select Credit Card
- 13.24% to 17.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.24% to 17.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 22.24% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 4% Cash Back on Entertainment purchases
- 3% Cash Back on Dining purchases
- 2% Cash Back on Travel purchases
- Annual fee is waived the first year
- No foreign transaction fees
- Regular Purchase APR: 13.24% to 17.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.24% to 17.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 22.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 for the first year. After that, $99
- Late Payment Penalty Fee: Up to $37
- Return Payment Penalty Fee: Up to $27
- N/A
SDCCU Visa Platinum with Fly Miles Plus
SDCCU Visa Platinum with Fly Miles Plus
- 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness Regular Purchase APR
- 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness Balance Transfer APR
- 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness Cash Advance APR
At a Glance
In the credit card world, ultra low APRs and rewards don’t often mix. However, the SDCCU Visa Platinum with Fly Miles Plus offers members of this credit union the best of both worlds. They’ll get the low, low rates of the basic Visa Platinum card, while also cashing in on travel rewards with every purchase. Each dollar spent will earn 1 point, on top of bonus rewards offered just for signing up.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get 1,000 bonus points for signing up
- Get 1,000 bonus points for enrolling in the Fly Miles Plus Reward Program
- Annual fee waived each year you spend at least $6,000
- Earn up to 120,000 points in one year per enrolled card
- Regular Purchase APR: 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
- Balance Transfer APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 for the first 12 months. After that, $35
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $20
- You work or live in either San Diego, Riverside, or Orange County
- You plan to enroll in the Fly Miles Plus Reward Program for extra bonus points
- You're able to spend at least $6,000 per year to waive the annual fee
Arvest Bank Visa® Classic Card
Arvest Bank Visa® Classic Card
- 19.4% variable based on the Prime Rate Regular Purchase APR
- 19.4% variable based on the Prime Rate Balance Transfer APR
- 19.4% variable based on the Prime Rate Cash Advance APR
- 0% for the first 12 months Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases and balance transfers
- 25-day grace period on purchases
- Enroll in Arvest Flex Rewards at no additional cost
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 19.4% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months
- Balance Transfer APR: 19.4% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 19.4% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $4 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars
- Late Payment Penalty Fee: $20
- Return Payment Penalty Fee: $25
- N/A
Arvest Bank Visa® Gold Card
Arvest Bank Visa® Gold Card
- 15.4% variable based on the Prime Rate Regular Purchase APR
- 15.4% variable based on the Prime Rate Balance Transfer APR
- 15.4% variable based on the Prime Rate Cash Advance APR
- 0% for the first 12 months Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 25-day grace period on purchases
- Enroll in Arvest Flex Rewards at no additional cost
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 15.4% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months
- Balance Transfer APR: 15.4% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 15.4% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $4 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars
- Late Payment Penalty Fee: $20
- Return Payment Penalty Fee: $25
- N/A
IBERIABANK Visa® Signature Credit Card
IBERIABANK Visa® Signature Credit Card
- 11.99%, 15.99%, or 19.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.99%, 15.99%, or 19.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1 point for every $1 you spend
- Redeem points for merchandise, gift cards, and travel
- Access to Visa Signature offers and 24/7 concierge
- 1.99% introductory APR for 6 months on balance transfers
- No foreign transaction fees
- Regular Purchase APR: 11.99%, 15.99%, or 19.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 11.99%, 15.99%, or 19.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 2% of the amount of each transfer
- Cash Advance APR: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $37
- Return Payment Penalty Fee: Up to $37
- N/A
Vectra Bank AmaZing Rate Credit Card
Vectra Bank AmaZing Rate Credit Card
- 9.24% to 15.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 9.24% to 15.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 9.24% to 15.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for the first 6 months Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Ideal for carrying a balance
- 0% intro APR on purchases and balance transfers
- Intro Purchase APR: 0% for the first 6 months
- Regular Purchase APR: 9.24% to 15.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months
- Balance Transfer APR: 9.24% to 15.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transaction, but not less than $10
- Cash Advance APR: 9.24% to 15.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each transaction, but not less than $10
- Foreign Transaction Fee: 3% of the U.S dollar amount of each transactio
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- N/A
You've viewed 5 of 95 credit cards
What is a Low APR Credit Card?
A low APR credit card is a credit card offering a relatively low annual percentage rate (APR) on purchases and/or balance transfers. This can benefit cardholders who may carry a balance on their credit card from month to month, as a lower APR means less interest paid on the outstanding balance.
A low APR means that you will pay less in interest charges, allowing you to save money in the long run. Whether you’re planning to make a large purchase or carry a balance from month to month, a low APR credit card can significantly reduce the financial burden on your shoulders.
Types of Low APR Cards
When it comes to low APR credit cards, there are a few different types to consider:
- Balance transfer credit cards: These credit cards allow you to transfer balances from high-interest credit cards to a new card with a low APR. This can help you consolidate your debt and save money on interest charges.
- Rewards credit cards with low APR: Some credit cards offer both a low APR and attractive rewards programs. These cards allow you to earn points, cash back, or travel rewards while enjoying a lower interest rate.
- Secured credit cards with low APR: If you have a limited credit history or poor credit score, secured credit cards can be a viable option. These cards require a security deposit, but they often have lower APRs than unsecured cards.
What is Considered a Low APR for a Credit Card?
When considering low interest credit cards, it’s common to first think about cards with 0% introductory offers. However, even these cards have a regular interest rate that applies after the introductory period ends. These regular APRs determine whether a card truly falls into the “low rate” category. It’s important to understand the average rates to identify cards with the best offers.
The average interest rate for different types of credit cards can vary significantly. For example, what may be considered a “low” APR for a retail card may fall within the mid-to-high range when compared to low interest balance transfer credit cards. As a result, the overall average APR across credit card categories ranges widely between 16% and 31%.
Despite this wide range, it is possible to develop a general sense of what may be considered a low APR card. Here are the average interest rates for credit cards based on credit score:
Score | APR |
---|---|
Excellent Credit | 24.49% |
Good Credit | 27.49% |
Average Credit | 29.24% |
Bad Credit | 31.74% |
No Credit | 29% |
Many low APR credit cards also offer introductory APRs for a certain number of months on balance transfers or purchases. For example, a credit card may offer 0% APR for 18 months on both purchases and balance transfers or 18 months on balance transfers only. It’s important to note that the intro APR on balance transfers does not include balance transfer fees, typically around $5 or 3% of the transfer amount, whichever is greater.
Why Choose a Credit Card with a Low APR?
Low APR credit cards are those that charge the least amount of interest for qualified cardholders who carry a balance. If you’ve ever carried a balance on a credit card, you likely know why your annual percentage rates (APRs) are important. When you choose to make only the minimum monthly payment on your card, any remaining balance earns interest. The result is then added to your next bill.
In other words, the higher the interest rate on your credit card, the more you will owe the issuer on balances carried from month to month. For instance, let’s say you make your monthly payment and leave a balance of $1,000. Here’s how two very different APRs would play out:
- 10% APR – $8.22 in interest accrued
- 20% APR – $16.44 in interest accrued
If this result seems a bit confusing, it’s because interest calculations for credit cards are based on a specific formula, which you can learn more about here. Either way, the point is easy to see: low APR cards can help you save more when you can’t make your monthly payment in full. In the long run, this makes it easier to pay off any debt since you won’t accrue as much interest over time.
Benefits of Low APR Credit Cards
Here are a few more benefits of low-APR credit cards.
Substantial Interest Savings
Firstly, low APR credit cards provide an opportunity for significant interest savings. With a lower APR, you can pay off your balance faster and save money on interest charges. This is especially advantageous if you carry a balance on your credit card from month to month.
Attractive Introductory Offers
Low APR credit cards often offer tantalizing introductory offers, including 0% APR for a specified period. These cards allow you to make purchases or transfer balances without incurring interest charges—it’s like having an interest-free loan for a limited time!
Improved Credit Score
Additionally, low APR credit cards can help you improve your credit score. By making timely payments and responsibly managing your credit card, you demonstrate to lenders that you are a low-risk borrower. This can open doors to better financial opportunities in the future, such as lower interest rates on loans and mortgages.
Tips for Managing Low-Rate Credit Cards
Here are some valuable tips to help you manage a new low APR card effectively:
- Pay on time: Timely payments are crucial for maintaining a low APR and a good credit score. Set up automatic payments or reminders to ensure you never miss a due date.
- Keep credit utilization low: Aim to keep your credit utilization ratio below 30%. This means using only a fraction of your available credit. Low credit utilization demonstrates responsible credit management and can positively impact your credit score.
- Avoid unnecessary debt: While a low APR credit card can be tempting, avoiding unnecessary debt is essential. Only make purchases you can afford to pay off within a reasonable timeframe.
FAQs
Here are answers to some of the most frequently asked questions about low-interest credit cards:
- Introductory APR offers typically run between six months to twelve months, though there are some offers of fifteen months or more. The longest initial APR period we’ve seen was around 21 months with the old Barclaycard Financing Visa.
- According to the BestCards Average Credit Card APR research, the average APR for a low-interest rate credit card is around 13%. This rate considers the APRs for different credit scores, as well as the variance between larger financial institutions and smaller credit unions.
- Yes. There are several secured credit cards that offer exceptionally low-interest rates for people with bad credit. First Progress offers two secured cards with APRs under 14%:
- Other secured cards that offer a great, low APR include the Assent Platinum 0% Intro Rate Mastercard® (12.99%, plus 0% intro APR), the Applied Bank Secured Visa® (9.99%), and the Oakstone Platinum Secured Mastercard (9.99%).
Conclusion
Low APR credit cards are powerful tools that can pave the way to financial freedom. By understanding APR, exploring the benefits, and considering various factors, you can make informed decisions when choosing a low rate credit card. Remember to manage your credit card responsibly and avoid common misconceptions. With the right low APR credit card, you can control your finances and work towards a brighter future.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.